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Investment Plans 558 views June 24, 2021
Want an investment plan for the long run? Invest in plans such as a unit-linked insurance plan (ULIP). If you purchase a ULIP plan, you’ll get the benefit of long-term investment as well as life cover. This is the easiest and efficient way to invest your money at your own risk. So, we have gathered the list of best investment plans for the long term for you. Read this post below and know more about them.
Table of Contents
The best investment plans discussed below provides you high life cover, the option of multiple investments, etc. at a lower premium rate. Let’s check out such plans below without any further delay.
Under this ULIP, you’ll get six fund options and a policy term of 10 years. The following benefits shall be payable under Bharti AXA Life Future Invest Plan –
Your nominee will receive the highest of the following in case of death during the policy term:-
Upon survival till the date of maturity, you will receive the policy fund value calculated as per the unit price in the investment funds as on the date of maturity. You can receive the maturity benefit as a lump sum, in installment during the settlement period, or a combination of both.
ICICI Pru Wealth Builder II Plan provides 7 fund options to the customer and the policy term is 10 years for Single Pay and 10, 15, 20, 25 years for Limited and Regular Pay. In case of an unfortunate event of death of the life assured, the nominee will receive the following death benefit as on the date of death.
Otherwise, the insurer will pay the highest of the following:
If you survive till the end of the policy term, you’ll receive the policy fund value plus top-up fund value, if any. You can receive your maternity benefit either in a lump sum or during the settlement period.
From the 6th policy year, you will start receiving loyalty additions, provided the policy is in force. This benefit will be payable to you by allocating extra units at the end of every policy year. The wealth boosters will be allocated as extra units at the end of every five policy years starting from the end of the 10th policy year. After the expiry of the lock-in period, you can make unlimited partial withdrawals. The total amount of partial withdrawals in a year should not exceed 20% of the Policy Fund Value.
The minimum premium amount is INR 48,000 (Single Pay) and INR 24,000 per annum (Limited and Regular Pay).
Tata AIA Life Insurance Super Achiever Plan offers you a policy term ranging from 102-20 years. Under this policy, you will receive the following benefits:
The minimum premium amount is INR 24,000 per annum.
LIC Money Plus is a unit-linked endowment plan where you’ll receive the following benefits:
The minimum policy term is 5 years and the maximum policy term is 20 years. LIC Money Plus Sum Assured for Regular Pay will be the higher of 5X the annualized premium or half of the policy term times the annualized premium. The maximum sum assured for regular pay is 20X the annualized premium, provided the insured’s age at entry is less than 55 years. Otherwise, the maximum sum assured would be 10X the annualized premium. The minimum and sum assured for a single payment is 1.25X the premium amount.
LIC Money Plus minimum annual premium is INR 5,000 and the minimum single premium amount is INR 10,000.
Aditya Birla Sunlife Empower Plan is a unit-linked pension plan whose policy term ranges from 5-30 years. Under this policy, you’ll get the following benefits:
The minimum premium amount is as follows: